To change your initial allocation of premium among variable annuity payment investment options, submit a phone or written request for transfers of fund values among the investment options. You cannot transfer from the fixed investment option to a variable investment option, but you are permitted to transfer from the variable investment options to the fixed investment option or to other variable investment options. We reserve the right to charge $10 after the first 12 transfers in a contract year.

We also offer features such as dollar-cost averaging and/or automatic rebalancing that provide for automatic and scheduled transfers between variable investment options. Transactions using these features are generally priced as of the date of transfer. If the scheduled date of transfer falls on a nonbusiness day, we'll process the transaction using the preceding business day's prices.